Insurance question

[TwigtheWonderkid]

MGB3405 said:

Thanks again ; and every one pays there own excess?

No. On 50/50, she gets half her excess back from the tp insurer. And her insurer will pay half the tp's excess.

[Mr Tidy]

TwigtheWonderkid said:

Some insurers aren't bothered by a single non fault claim.

Good luck finding one of those these days - most of them sh*t themselves when they see a single non-fault claim!

[Dog Star]

If her excess is £750 and the repair is a grand I’d just ask the company doing the quote for a require based on it not being an insurance job.

Worst that can happen if she doesn’t get a settlement in her favour is that it costs £750, which it would have cost anyway. Five years of hiked premiums to “save” £250 is foolish.

[a.lex]

Dog Star said:

If her excess is £750 and the repair is a grand I’d just ask the company doing the quote for a require based on it not being an insurance job.

Worst that can happen if she doesn’t get a settlement in her favour is that it costs £750, which it would have cost anyway. Five years of hiked premiums to “save” £250 is foolish.

Maybe not. I once had a potential vandalism claim (which would have counted against my comprehensive insurance as my "fault"), tried to simply pay the shop myself instead, but the "non-insurer" quote I got from them was double. I was rather unimpressed with this, so I withdrew the insurance claim (which of course still counted against me!) and had a different shop do the repairs on my dime. Moral of the story? Always inform your insurers of any potential claims per your insurance policy's terms, and do not be tempted to avoid the resulting "risk-based" hike in premiums by failing to mention them, because that would be wrong.